Experiencing damage to outbuildings on your property due to storms, fire, or vandalism can be distressing. Generally, outbuildings are covered under a standard home insurance policy, except in special cases. At Affordable Insurance Inc. in Mountain Home, AR, we help clients acquire the right home insurance for their individual needs.

Common Types of Outbuildings

Residential properties often feature various types of outbuildings, such as detached garages, gazebos, storage sheds, and pool enclosures. Fences, decks, and driveways are also considered structures covered under insurance. Some individuals construct a barn or greenhouse on their property. Guesthouses are another outbuilding commonly found on properties. These buildings are all covered under standard residential property policies.

What Is Covered By Your Homeowner Policy

Outbuildings are usually covered to a certain limit, generally 10 percent of the policy’s dwelling coverage limit. Hazards such as fire, smoke, lightning, snow or ice damage, theft, vandalism, explosions, and water from burst pipes are covered. If you use the outbuilding for business purposes, you will generally have to acquire a separate policy for the structure’s coverage.

Make Affordable Insurance Inc. Your Choice for Home Insurance Coverage

We can understandably provide in-depth answers if you have questions about coverage for your property’s outbuildings. We offer many types of insurance for our clients, including auto, boat, motorcycle, RV, renters, and business insurance. Contact Affordable Insurance Inc. in Mountain Home, AR today for a no-obligation quote on home insurance that will provide coverage for all your property insurance requirements.